The Financial Risk Assessment Research Of Listed Commercial Bank In China

The eighteenth Plenary Session of Eleventh Central Committee proposed to further deepen the reform of the financial market system in an all-round way and accelerate the marketization of interest rate and exchange rate. With China’s financial market openness, Commercial banks face increasingly severe challenges as an important part of the financial market system. Especially our country economy in downlink channel in the recent years, direct financing market is more and more mature, rate spreads narrowing under the Interest rate marketization. Commercial Banks to break through, to achieve sustainable management, Commercial banks should to promote the financial innovation unceasingly, to try new development business model. The real economy is becoming more and more weak in recent years, created a lot of bad bank loans increasing the financial risk of the bank. In the case of this reality, how to guard against and defuse financial risks is especially important for the stable operation of commercial Banks.Under the current fierce competition in the financial markets,our country banking industry development also into the competition internationalization stage,the development of our country’s financial risk management level is far lagging behind the foreign advanced commercial bank。To establish a set of scientific financial risk assessment system to evaluate financial risk and prevention has become an important part of the commercial Banks to control risks。This article is based on the current business environment commercial Banks faced, we analyze and summarize the current situation of commercial bank financial risks, On the basis of trying to build the evaluation index system of our country commercial bank financial risk. I chose 16 listed commercial Banks as the research object using factor analysis method for comparative analysis to compare the financial risk level of listed commercial Banks in China and based on the results of the analysis put forward countermeasures and Suggestions to improve the commercial bank financial risk prevention.